Absolute certainty is not something I strive for anymore. I've learned the hard way that destiny usually looks upon our most strident convictions with amusement, or perhaps even pity.
Banks operate like a man who either wears his trousers round his chest, stifling breathing, as now, or round his ankles, exposing his assets. We want their trousers tied round their middle: steady lending growth; particularly to productive British business, especially small scale enterprise.